I do not invest in Medford but I   have a house I was in process of buying where my private lender fell though (family)  Please let me know of you know of any lenders in the area or if you would like to hear about it I can go over with you also.  

Is garbage a city-imposed tax, or is that something you'd be paying to a private company?  

You can use hard money or a private lender

First Gulf is a private commercial real estate corporation with their HQ in Toronto.

This is the kind of thing you need to finance yourself or get creative with private loans.I'm working on building my own neighborhood of 2-4 family homes, I am purchasing six acres that is already zoned for such use, and, the minimum lot size in the city is less than 1/4 acre.

We will have wholesalers, contractors, fix and flippers, private money lenders, and other investors. 

Hard money/ private money would have relatively short period to provide loan in the 1-3 week range.

RAsset ManagementProspective Buyer shall indemnify, defend, protect and hold harmless each Owner and Agent from any claim or demand by any person or entity entitled to receive from Prospective Buyer and/or Registered Broker or for its account any brokerage commission or finder’s fee in connection with this Agreement or any possible transaction, A Private Brokerageany claim by any party (including Reviewer or any person associated with Reviewer) of any right to any brokerage commission or fee

After that, you have to go to alternate lending solutions...commercial, private money etc.Personally, the sooner you can get away from 3.5% down and the associated PMI the better, but you should be able to do the math to determine which route works better for you.Also....if possible, finance in just one of your names.  

I'm reading and getting involved with:J Scott - "The Book on Flipping Houses"J Scott -  "The Book on Estimating Rehab Cost"Rick Villani and Clay Davis (book and audio) "Flip - how to find, fix, and sell houses for profit"Joining BiggerPockets as a Pro memberVisiting my local REIAs for seminars, webinars and networking  I'm starting to see where my biggest fear is starting to take shape:  FINANCINGMy biggest concern it finding the right private lender without getting scammed before my first deal.